Core Insights - The central theme of the articles discusses the recent cessation of four types of deposit products by the central bank, highlighting the potential pitfalls for consumers and the need for safer investment alternatives [2][3][4]. Group 1: Cessation of Deposit Products - The central bank has stopped four types of deposit products, which were previously available to consumers, leading to confusion and potential financial loss for many [2]. - Commonly affected products include online deposits, which often promised higher interest rates but were later found to be unavailable when consumers attempted to withdraw funds [2]. - Other problematic products included cross-regional deposits and structured deposits, which were misleadingly marketed as safe investments but often resulted in minimal returns [3][4]. Group 2: Alternative Investment Options - The articles suggest several safer investment alternatives, such as money market funds, which, while offering lower interest rates, provide more security and better returns than traditional savings accounts [4]. - Bond funds are recommended for slightly higher returns with low volatility, emphasizing the importance of a long-term investment strategy [4]. - Gold funds are also mentioned as a viable option, allowing investors to gain exposure to gold without the need to purchase physical bullion, although they come with higher volatility [4].